Even though you're a Progressive customer, they make it very easy to add this option. Can you rent a car from Progressive after an accident? Does Progressive cover rental cars in the event of an accident? If you have a Progressive car rental refund, the answer is yes. Progressive rental reimbursement coverage is a great benefit that you can take advantage of if you need a rental car due to an accident. In most cases, rental car insurance overlaps with your personal car insurance policy and you won't have to pay for duplicate coverage.
If you and your family rely on reliable transportation, consider adding an option such as rental reimbursement to your Progressive car insurance policy. No, rental vehicle reimbursement coverage only applies if the vehicle needs repairs or a replacement after a covered event, such as after a car accident or after a tree falls on your car. In general, rental reimbursement coverage is worthwhile if you think you're going to have a car accident and need a rental car for years to come. You can get a rental vehicle from Progressive after an accident, as long as you have Progressive reimbursement coverage.
The cost of comprehensive or collision coverage will be determined based on the value of the car you are insuring and the amount of the deductible you choose. Most cards also offer secondary coverage, meaning that you must first file a claim with your own auto insurance company (if you have one) before filing a claim with the card. In California, for example, you must have a personal car insurance policy with liability coverage or purchase additional liability coverage from the car rental company in order to drive legally. Car rental companies generally only offer minimum liability coverage, so if you don't have personal insurance, you'll probably want to purchase additional rental car insurance through the rental company.
With authorization, other insurers may allow you to bill the rental car directly to them, but it's less common. Some insurers have relationships with car rental companies that facilitate the reimbursement process, while others may require you to submit receipts separately for reimbursement. Your insurer will only cover the cost of a rental car up to the limits of your policy, so consider avoiding renting exotic or luxury cars. There's something you should keep in mind when considering adding rental reimbursement coverage to your Progressive car insurance.
Consequently, if you don't have a standard car insurance policy and rent a car in California without buying liability coverage from the car rental company or a third-party insurer, you'll be driving illegally without insurance. While each standard auto insurance company has its own criteria for covering rental cars, some situations are generally excluded. Bonzah is the best third-party provider of rental car insurance because it's the only option that offers supplemental liability insurance.